Local lending intelligence · HMDA 2023–2025
Mortgage and lending data for San Luis Obispo County, California
Every institution that decided a 1–4 unit mortgage application in San Luis Obispo County between 2023 and 2025: 14,794 applications, 11,181 loans actually funded, across 8 kinds of borrowing.
San Luis Obispo County at a glance
14,794Applications decided
2023–2025
11,181Loans funded
76% of decisions
69Census tracts
21 ZIP codes
281,486People
ACS 2023
What the data shows
The typical purchase mortgage here is $605K.
Investment home improvement is the hardest money to get here: lenders approved 57% of 161 applications.
Lending by loan type in San Luis Obispo County
| Loan type | Approval | Decided | Typical loan | Taken up | Lenders |
|---|---|---|---|---|---|
| Mortgage lenders | 89.9% | 5,785 | $605K | 95% | 310 |
| Home improvement loans | 62.1% | 2,483 | $105K | 93% | 122 |
| Cash-out refinance | 71.1% | 2,490 | $215K | 94% | 198 |
| Refinance | 79.5% | 1,835 | $545K | 95% | 192 |
| Investment property purchase | 90.6% | 1,328 | $525K | 95% | 202 |
| Investment cash-out refinance | 73.2% | 422 | $355K | 94% | 118 |
| Investment refinance | 80.3% | 290 | $585K | 93% | 95 |
| Investment home improvement | 57.1% | 161 | $205K | 90% | 50 |
Approval is the share of decided applications lenders approved; taken up is the share of approvals borrowers accepted. How the numbers work.